CPFB | Growing your savings

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Account services

Throughout your working life and in retirement, you can easily access your CPF account information using Singpass. To better manage your CPF savings, keep up with the latest news by having your contact details updated and subscribe to our email notifications.

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FAQs

Growing your savings

Understand how CPF helps you save more for retirement through contributions, top-ups and more.

Saving as an employee with CPF contributions

Learn more about your CPF rights as an employee.

How are my CPF contributions allocated to my CPF accounts?

Will I lose out on interest on my CPF contributions when my employer pays my CPF contributions late?

What should I do if my employer did not pay my CPF contributions on time?

Self-Employed Scheme

Learn more about self-employed matters, your MediSave obligations and making top-ups.

How do I declare my annual net trade income online as a self-employed person?

Who is a self-employed person?

How do I deregister my self-employed status with CPF Board if I am no longer self-employed?

Contribute-As-You-Earn

Learn more about Contribute-As-You-Earn (CAYE) as a self-employed person.

What is Contribute-As-You-Earn (CAYE)?

As a self-employed person, how will I benefit from participating in Contribute-As-You-Earn (CAYE)?

What if I am in financial hardship and is unable to set aside monies for MediSave via the Contribute-As-You-Earn (CAYE) scheme?

CPF Interest Rates

Find out more about the CPF interest rates and how they are calculated.

What are the CPF interest rates?

How much extra interest can I earn on my CPF savings?

How is my CPF interest computed and credited into my accounts?

Retirement Sum Topping-Up Scheme

Find out how the Retirement Sum Topping-Up Scheme (RSTU) helps increase your retirement payouts.

Why should I top up my retirement savings?

How much CPF savings can I transfer to myself or my loved ones?

Do I need to claim tax relief for my cash top-up?

Matched Retirement Savings Scheme

Learn more about the Matched Retirement Savings Scheme and your eligibility.

What is the Matched Retirement Savings Scheme?

How do I make a cash top-up?

When will I receive the matching grant?

Top up your CPF accounts to build your savings

Find out more on topping up your Ordinary, Special and MediSave accounts.

What are the differences between topping up my retirement savings, making a Voluntary Housing Refund and topping up my MediSave Account?

Can I voluntarily top-up to my Ordinary Account only?

Top up your MediSave account to save more for healthcare needs

Find out more on topping up your MediSave account.

What are the differences topping up my retirement savings, making a Voluntary Housing Refund and topping up my MediSave Account?

Can I voluntarily top-up to my Ordinary Account only?

Voluntary Housing Refund

Learn to make a voluntary refund without selling your property.

I am not selling my property. How can I make a voluntary housing refund of the housing amount withdrawn?

Do I have to refund the housing grant to my CPF account when I make a voluntary housing refund of the monies withdrawn for my property?

I am 55 years old and above. Is my voluntary housing refund used to set aside my Retirement Sum?

CPF Investment Schemes

Learn more about growing your CPF savings through a wide range of investments.

What is the difference between the CPF Investment Scheme-Ordinary Account (CPFIS-OA) and CPF Investment Scheme-Special Account (CPFIS-SA)?

I have forgotten my CPF Investment Account Number. How can I go about checking this?

How do I transfer the cash balance from my CPF Investment Account to my Ordinary Account (OA)?